
https://www.latimes.com/california/newsletter/2023-09-07/as-climate-change-challenges-home-insurers-an-uninsurable-future-looms-essential-california

https://publications.parliament.uk/pa/cm201719/cmselect/cmworpen/769/769.pdf

https://www.bancaditalia.it/pubblicazioni/qef/2018-0422/QEF_422_18.pdf